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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,200 | $65,034-21.3% | $90,970-43.7% | $79,856-35.9% |
| Participation rate | 49.3% | 61.6%-12.4pp | 69.0%-19.8pp | 69.6%-20.4pp |
| Annual return | 12.50% | 30.45%-18.0pp | 134.60%-122.1pp | 31.71%-19.2pp |
| Employer contribution / active EE | $852 | $1,247-31.7% | $2,122-59.8% | $2,471-65.5% |
| Participant deferral / active EE | $2,048 | $2,512-18.5% | $3,373-39.3% | $3,741-45.3% |
| Admin fee / account holder | $2,831 | $4,536-37.6% | $5,961-52.5% | $5,306-46.7% |